Coalition vs Travelers: Commercial Crime Insurance

Travelers is the clearer fit for public companies or buyers comparing named fraud protections such as funds-transfer and social-engineering fraud; Coalition gives private and nonprofit buyers a possible $10 million per-line benchmark.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Executive Risks
Coalition · Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? · accessed 2026-09-23
04
U.S. Disclaimers
Coalition · Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535) · accessed 2026-09-23
05
Crime Terms and Conditions
The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
07
Fidelity & Crime Insurance
Travelers · What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America · accessed 2026-09-23
08
Commercial Crime Coverage Application
Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

What Are the Key Differences Between Coalition and Travelers Crime Insurance?

Travelers lists employee dishonesty, funds-transfer fraud, computer fraud and social-engineering fraud, which gives you specific wording to check against the loss scenarios you face. Coalition describes theft, fraud and certain cybercrimes and offers up to $10 million per line for eligible buyers. Choose Travelers if you are a public company or need named social-engineering cover; choose Coalition if you are a private or nonprofit U.S. buyer within its published caps. [7] [3]

Who Underwrites Versus Who Distributes

Coalition designs and distributes crime as part of Executive Risks, sold through appointed brokers. Travelers underwrites fidelity and crime coverage. [3] [7]

Named Paper

Coalition’s disclaimer names Zurich American Insurance Company as admitted Executive Risks paper and unaffiliated surplus as another route. Travelers’ product-page video names Travelers Casualty and Surety Company of America and its property-casualty affiliates, and says the specific issuing entity can vary. [4] [7]

How Coverage Is Described

Travelers says the coverage addresses forgery or alteration, loss of money and securities, and reimbursement for claim expenses, and lists employee dishonesty, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud. Coalition describes theft, fraud and certain cybercrimes, subject to exclusions. [7] [3]

Who Can Buy

Coalition’s FAQ names private and not-for-profit U.S. organizations with size ceilings. Travelers markets fidelity and crime to nonprofit, private and public companies. [3] [7]

What Should You Confirm in Coalition and Travelers Crime Insurance Quotes?

Confirm Coalition’s Zurich versus surplus route, and which Travelers Casualty and Surety affiliate is on the declarations. [4] [7]
Ask Travelers whether a social-engineering fraud endorsement is on the quote. [7]
Compare the bound limit with Coalition’s possible $10 million per-line figure. Travelers’ reviewed page does not publish limits. [7] [3]
If you are a public company, Travelers lists that audience; Coalition’s FAQ names private and not-for-profit buyers. [7] [3]

Crime coverage

Coalition

role: Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗
coverage: Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.company-reportedSource ↗
eligibility: Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Executive Risks FAQ as read on 2026-09-23.company-reportedSource ↗
limits: Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.company-reportedSource ↗
insurer: Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. U.S. Disclaimers page as read on 2026-09-23.company-reportedSource ↗
application: Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗

Travelers

role: Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. Product page "What is fidelity and crime coverage?" section.company-reportedSource ↗
insurer: The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. Product page video legal footer.company-reportedSource ↗
coverage: Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.company-reportedSource ↗
eligibility: Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. Product page "Who is fidelity and crime coverage right for?" section.company-reportedSource ↗
limits: The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. Product page video statistics and general text as read on 2026-09-23.not-foundSource ↗
services: Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. Product page Resources section.company-reportedSource ↗
application: Fidelity and crime coverage is bought through a Travelers independent agent. Product page "Find an insurance agent" call to action.company-reportedSource ↗